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    1 - Enter General Information:
    I have a:
    Structured Settlement Lottery Payments Other Annuity Worker's Compensation
    Name of Insurance Company That Pays Me
    2 - Describe each Payment Stream you want to Sell (one payment stream at a time):
    Would you like to enter another payment stream?
    Life Contingent
    Cost of Living Increase
    Your Payment Streams
    # Frequency Next Payment Amount Last Payment Guaranteed COLA Increase On Date Delete
    3 - Tell us about your highest offer so far, if any, then Click on "Finished":
    Have you received offers from other companies?

Selling Tips

How to Sell a Structured Settlement

Whether you’ve been injured by another party, by a product or are the recipient of payments from a life insurance policy, chances are good that your money will come in the form of a structured settlement. In many ways, this is the ideal solution – it ensures that you have a reliable income for years to come, helps prevent you from inadvertently spending all of your settlement very quickly and also helps keep the paying company solvent. However, it’s not always ideal. Sometimes you need more money. If this is the case for you, you need to know how to sell a structured settlement.

Find a Company

The first step to sell a structured settlement is to find a company willing to buy it. You might be surprised, but there are lots of different companies out there more than willing to pay you a lump sum in exchange for your settlement. However, things get tricky here. You need to do more than choose the first company that makes you an offer. You need to make a wise decision.

Amount of Money

It’s important to realize that when you sell a structured settlement, you will not be receiving the entire amount due to you if you were to remain with the original payment agreement. Every company that buys settlements does so with some loss to you. However, for most people, this loss is tolerable in exchange for the ability to have a large lump sum of cash immediately. The trick is to find a company that offers the highest percentage of your original sum in a lump payment.


You should never enter into an agreement with a company that you haven’t fully vetted. Not all companies that buy settlements are the same, and there are predatory companies out there (just as with any other industry). Therefore, you need to ensure that you take the appropriate amount of time to check into each company’s reputation and determine if they are reputable, honest and upfront.

Get Quotes in One Place

Going it alone when you sell a structured settlement is not the ideal course of action. You should work with a brokerage capable of supplying you with quotes from companies that buy settlements. This ensures that you have several different offers very quickly, and that you can compare your options to make an informed, reasoned decision regarding your financial future.

Before You Sell your Structured Settlement for a Lump Payment

Selling your structured settlement for a lump payment of money can be a good option for people who need to get their full settlement soon to pay off debt or are planning to use their settlement money for a large purchase instead of borrowing money and having to pay interest. You need to understand the way that your structured settlement it setup before you can sell it. You should also talk to several companies before selling your settlement because some companies will pay you a lower discount rate than others.

Thirteen Reasons to Sell Your Structured Settlement

While you may be contemplating selling your structured settlement out of a desperate need for cash, or merely to buy something you have wanted, remember that instant gratification has become an integral part of our American culture. If you’ve been awarded a settlement from a personal injury lawsuit, retirement annuity or lottery winnings, you probably get payments on a monthly basis, and will continue to get them for years to come. It can be extremely tempting to sell your structured settlement and have your money all at once—while there are valid reasons not to do so, there are also many good reasons why people sell annuity payments.

Step by Step Process to Selling a Structured Settlement

One of the most common questions we receive here at Settlement Quotes is "what's the process of selling my structured settlement payments?" Below we have created a diagram which outlines the steps involved in a structured settlement factoring transaction. Below the diagram we have also included a more detailed list corresponding to the diagram.

Structured Settlements: Is Now An Appropriate Time to Cash Out?

BillsToday's economic recession is a concern for many people, particularly those who did not expect it to last as long as it has. In these difficult times, those who are receiving monthly payments on a structured settlement might be wondering about whether they should opt to cash out and receive a larger lump sum now. Whether or not this is an appropriate decision depends largely on each person's own personal circumstances and situation.

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